Research On Optimization Of Credit Rating System Of Farmers In Huai’an Rural And Commercial Bank

Since the 19th National Congress of the Communist Party of China,the work of agriculture,rural areas and farmers has been raised to an unprecedented level.Huai’an Rural Commercial Bank has been based on the local community and served agriculture,rural areas and farmers for many years.It has started the exploration of farmers’ credit rating related work earlier.Through spending a lot of human,material and financial resources for many years,it has accumulated a set of relatively complete experience by adhering to sunshine credit,whole village credit and grid services.The credit rating method of farmers based on the scorecard is simple,convenient and efficient,which provides an important guarantee for farmers’ credit risk control and effectively contributes to the improvement of the bank’s operating capacity and high-quality development.In recent years,with the deepening of relevant work,the demand for credit rating tools is higher and higher,and many problems of the original scorecard rating method are gradually emerging,including imperfect index system and unreasonable rating procedures,which seriously affect and restrict the ability to provide financial services for farmers,and need to be effectively optimized and solved.The main goal of this paper is to learn and summarize the main achievements of scholars on Farmers’ credit rating,and on this basis,combined with the reality,put forward the optimization and improvement suggestions of farmers’ credit rating of Huai’an Rural Commercial Bank,determine a new farmers’ credit rating model by selecting appropriate credit rating methods and analyzing the prediction ability,and finally provide the implementation of farmers’ credit rating system.Therefore,the main work of this paper includes:1.The analysis of the current situation of farmers’ credit rating.This paper summarizes the actual situation of the current farmers’ credit rating system of Huai’an Rural Cmmercial Bank,makes an in-depth study on the current scoring card farmers’ credit rating method,points out the problems existing in the rating method,index system and rating procedure,and then puts forward specific improvement needs.2.The construction of a new credit rating model.Taking the farmers who have been granted loans by Huai’an Rural Commercial Bank as the research object,a new credit rating method is constructed by using the logistic regression model,and its effectiveness is verified by analyzing the prediction results of training samples and test samples.At the same time,a set of credit rating model is constructed by using RBF neural network algorithm,which is compared with the effect of logistic regression model to further evaluate the feasibility of the practical application of logistic regression model.3.The realization of farmers’ credit rating system.Based on the logistic regression model,a set of farmers’ credit rating system is designed to realize many practical functions such as farmers’ information input,information audit,credit rating management,user management and statistical analysis,so as to effectively improve the efficiency and quality of rating work.4.The summary and prospect.According to the previous research,combined with the current credit policy of Huai’an Rural Commercial Bank,this paper expounds the direction of improvement and promotion,that is,personnel training,system technology,business promotion and management system,and puts forward feasible countermeasures.